Category Archives: Credit Cards

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My 6 Credit Card App-O-Rama: Results & Reconsideration Calls

Good afternoon everyone, happy Friday!  A few weeks ago, I applied for 6 new credit cards in my most recent App-O-Rama (which doesn’t work as well as it used to work, back in the good ol’ days), but I wanted to share my results and reconsideration calls.  Warning: I don’t recommend applying for multiple cards in the same day (“do as I say, not as I do”).  With that said, I started with the American Express Blue Business Plus Credit Card that has a 75,000 American Express Membership Rewards Points signup bonus after spending $15,000 in 12 months.  Check out this Doctor of Credit post for more info.

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Leading Hotels of the World (LHW): Instant Citi ThankYou Point Transfers (1000:200) & 500 Bonus Points for Completing Profile

Updated 10/18/23 at 5pm PT: ~24 hours after completing my profile, I received the 500 bonus points. 


Good morning everyone, I hope your week is going well.  I had a great time presenting at the Chicago Seminars over the weekend and seeing some new and familiar faces.  Yesterday, Frequent Miler wrote a post about Leading Hotels of the World (LHW) becoming the latest Citi ThankYou Point transfer partner.  More transfer partners are always appreciated, so I decided to sign up for a free LHW account and search around.  As of today (October 17), there are 415 high end boutique properties spread out across the world.

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Yearly Reminder: Max Out 10% Citi ThankYou Points Rebate on Citi Rewards+ Credit Card (10K Annual Limit)

Good afternoon everyone, happy Friday!  I wrote a similar post in 2022 and thought I should publish a similar reminder post for 2023.  One of my favorite sock drawer credit cards is the Citi Rewards+ Credit Card.  This credit card has a pretty decent sign up bonus at the moment (20,000 Citi ThankYou Points after spending $1,500 in 3 months), but my favorite feature of this credit card is the 10% rebate on redeemed Citi ThankYou Points.  You can receive up to 10,000 Citi ThankYou Points rebated each calendar year, you just need to redeem at least 100,000 Citi ThankYou Points in a calendar year.

So why am I reminding you about this today?  The 10% rebate posts to your Citi ThankYou Points account when your statement closes.  If your statement closes on or after January 1, that will count toward your 2024 calendar year 10,000 Citi ThankYou Point limit.  Therefore, you probably only have 1 or 2 more statements between now and December 31, 2022.  I will show you how to calculate how many rebated Citi ThankYou Points you have already received this year.

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Ability to Buy / Top Up American Express Membership Rewards Points Ending December 30, 2023

Good afternoon everyone, I hope your week is going well.  I was reviewing my recent American Express statements and spotted this small change: “Effective December 30, 2023, we are eliminating the option for Card Members to buy Membership Rewards points. The Membership Rewards Program Terms and Conditions will be updated to reflect this change.”  Did you even know you could buy AMEX MR Points??  I didn’t know either.  Here are some more details I learned about the change.

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American Express Business Gold Card Changes: New 4X Categories, $240 Flexible Business Credit & Walmart+ Subscription

Good afternoon everyone, I hope your week is going well.  I just noticed that the American Express Business Gold Card made some changes to their 4x AMEX Membership Rewards Points earning categories, added a $240 Flexible Business Credit ($20 / month at either FedEx, Grubhub, or at office supply stores), and is offering a $12.95 / month credit to offset the $12.95 / month Walmart+ Subscription.  Let’s go through these changes so you can see if these new benefits are useful.  You can see these benefits on the Benefits tab in your AMEX online account.  Let’s look at the 4x categories first.

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